Back in time to tell the young myself what needs to be done

1. If I were 22
Back in time to tell the young myself
what needs to be done.
# Back to the Future V

2. Get a better education.
• As the saying goes, nobody can take your
accomplishments away from you. Education is
one of those accomplishments. Many readers
wished they would have either gone to or stuck
to college. Whether it's to land you the career of
your dreams, or to meet people from different
walks of life or to learn to see things a little
differently, education is always a good choice,
whatever form it takes.

3. Live Frugally
• To maintain your income’s growth, this is the
time when you have to seek out the clearance
rack or sales. Never accept retail price, it
simply isn’t worth it. This is the case in grocery
stores, shopping malls, the internet, or even
club/gym memberships.

4. Plan to Invest
• You may feel that your piggy bank of savings is smart
saving. However, it truly isn’t. All you are doing is have
your money sit there unproductively. It isn’t gaining
interest. This is the case even for many standard
savings accounts. Simply having a savings account isn’t
enough, but it is a good start.
• When saving it is important to remember to save to
invest, not save to save. Look into ways in which you
can get started creating a portfolio of investments for
yourself. Etrade is a great start that is easy to
• Buy your first Home by the age 25 ! ( Your future self did it @ 27 )

5. Shed Unproductive Debt
• There is no such thing as good debt. Even “good debt” as
some coin it is still money that you don’t have easy access to
and doesn’t have the 100% guarantee is materializing into a
profit later on (a house, for example).
• However, if you spend within your means or only on certain
expenses, many credit cards come with reward dollars or
cash-back. This is the credit card (one, not multiple), that you
should seek. It’s technically free money ($6 back on $200 of
groceries, for example). These reward and cash-back dollars
add up and can result in savings. Below is a list of three great
cash-back credit cards:

6. Follow the 50/20/30 Budget
Let’s say as an Example…
• Base Salary – $51,000
• After Taxes (25%) – $38,250
• Essentials (50%) – $1593.75/month
– Utilities – $80
– Groceries – $250
– Gas – $80
– Rent – $1000
• Savings (20%) – $637.50/month
• Savings Account – $300
• Loan Repayments – $200
• IRA/Portfolio Fund – $100
• Discretionary Spending (30%) – $956.25/month

7. Consider health issues
• By 25 you might have noticed your metabolism
slowing down. But looking after yourself as you
age is about more than just quitting your pizza-a-
day diet for vanity. It's about creating habits (and
breaking bad ones) that will lead to a long life in
which you're healthy enough to do everything
you want to do. So quit smoking or cut back on
the alcohol. As many of you said, little changes
can lead to big benefits in the long run.

8. Slow down
• Too many of us waste precious moments because
we're too busy connected to our digital devices or
on social media or worrying about the next
career move. Life is short. Savour it.

9. Overall
• Be Kind
• Help others.
• Work Hard.
• Learn & Correct your mistakes.
• Live life’s every moment good & bad.
• Be grateful.